ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is M&T Bank Corp. ?
1
High Profitability with a Net Interest Margin of 9.98%
2
Positive results in Jun 25
- CASH AND EQV(HY) Highest at USD 4,237 MM
- OPERATING PROFIT(Q) Highest at USD 944 MM
- OPERATING PROFIT MARGIN(Q) Highest at 36.18 %
3
With ROA of 1.01%, it has a fair valuation with a 1.13 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 1.87%, its profits have risen by 2.8% ; the PEG ratio of the company is 3
4
Underperformed the market in the last 1 year
- The stock has generated a return of 1.87% in the last 1 year, much lower than market (S&P 500) returns of 14.11%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to M&T Bank Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is M&T Bank Corp. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
M&T Bank Corp.
16.74%
1.63
26.34%
S&P 500
17.45%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.12%
EBIT Growth (5y)
11.55%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
33.53%
Pledged Shares
0
Institutional Holding
93.47%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.14
EV to EBIT
8.77
EV to EBITDA
8.06
EV to Capital Employed
1.16
EV to Sales
2.74
PEG Ratio
0.66
Dividend Yield
2.82%
ROCE (Latest)
13.18%
ROE (Latest)
9.64%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
ROCE(HY)
Highest at 1.35%
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 1,779 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 3,733 MM
ROCE(HY)
Lowest at 1.35%
Here's what is working for M&T Bank Corp.
Non Performing Loans (%)
Lowest at 0.9%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 1,779 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for M&T Bank Corp.
Operating Cash Flow
Lowest at USD 3,733 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Non Operating Income
Highest at USD 0.03 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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